Cheapest Car Insurance in Massachusetts

Plymouth Rock provides Massachusetts’s lowest full coverage rate at $706 a year or about $59 per month, placing it 40% below the state average. GEICO comes next at $79 monthly or $951 yearly and Norfolk & Dedham Insurance charges $83 for full coverage.

Massachusetts drivers get the lowest liability-only rates from Plymouth Rock, which charges $263 a year, or about $22 per month. Safety Insurance follows at $31 monthly, while Amica offers state-required coverage for $35. GEICO and Norfolk & Dedham Insurance both cost $37 per month, tying for fourth place.

For drivers on limited incomes, minimum coverage is often the most affordable option, and low-cost car insurance options for drivers with low income in Massachusetts can help pinpoint cheaper liability-only plans.

Plymouth Rock has the lowest minimum coverage rates in several Massachusetts cities: $18 in Lancaster, $20 in Reading and $22 in Abington. These prices are well below local averages.

Plymouth Rock has the lowest rates for Massachusetts teen drivers: $154 per month for 16-year-olds, $125 for 17-year-olds and $104 for 18-year-olds. Costs drop with experience to $84 at age 19, $79 at 20 and $48 by age 25.

**Plymouth Rock ** remains the cheapest option for both teens and young adults, giving families a clear low-cost choice. Teens under 18 generally need a parent or guardian to cosign an auto policy.

Note: Teen drivers pay higher premiums due to limited experience and increased accident risk. Rates vary based on state regulations, driving history and selected coverage.

Senior drivers find the lowest minimum coverage rates through Norfolk & Dedham Insurance, with prices at $45 for 70-year-olds and $53 for 80-year-olds. The $8 increase over ten years shows how stable this provider remains for aging drivers. Full coverage is $91 at age 70 and $107 at age 80, rising only slightly compared with the wider swings younger drivers often experience.

Drivers with a DUI get the lowest minimum coverage rate from Plymouth Rock at $38 per month, which is $27 cheaper than GEICO at $65. Full coverage through Plymouth Rock costs $106 monthly, while Progressive charges $136 for the same protection. The $30 monthly gap adds up to $360 in yearly savings for high-risk drivers.

Arbella charges $76 for minimum coverage and $153 for full protection, while Amica offers the same policies at $78 and $174. These differences show why comparing quotes becomes essential after a DUI conviction.

Plymouth Rock offers the cheapest SR-22 insurance in Massachusetts at $54 per month for minimum coverage, which is 33% below the state average and lower than Norfolk & Dedham Insurance at $93. Full coverage through Plymouth Rock costs $167 monthly, compared with $193 from Norfolk & Dedham Insurance and $212 from Safety Group.

Farmers premiums are $85 for minimum coverage and $204 for full coverage. Amica Mutual premiums cost $90 and $207 for these same coverages. The difference between Plymouth Rock and Safety Group is $264 a year in savings for drivers who need an SR-22 filing.

See our full guide to SR-22 insurance in Massachusetts.

Plymouth Rock has the most affordable minimum coverage for drivers with an at-fault accident at $37 monthly: 39% under the state average. Full coverage through Plymouth Rock costs $102 per month. Arbella charges $109 and GEICO charges $119. Safety Insurance and Norfolk & Dedham Insurance charge $130 to $134 for full protection.

Premiums rise 20% to 40% after an at-fault accident. Higher rates last three to five years. Plymouth Rock saves you hundreds each year during this higher-risk period.

Plymouth Rock has the lowest minimum coverage rate for drivers with a speeding ticket at $34 monthly or $403 a year. For full coverage, GEICO has the best rate at $89. Arbella charges $95 and Plymouth Rock charges $99. Safety charges $113 per month.

The difference between GEICO and Safety rates gives you $288 in annual savings.

Safety has Massachusetts's lowest minimum coverage for drivers with bad credit at $449 a year or about $37 monthly. Full coverage through Safety costs $85 per month: $38 less than GEICO at $123 per month ($459 in yearly savings).

Plymouth Rock charges $54 for minimum coverage and $126 for full protection, while Farmers costs $60 and $147 respectively. Low-income drivers benefit from Safety because its rates are 48% below the state average for drivers with poor credit.

Your car insurance costs in Massachusetts depend on factors like your location, driving history, age and credit score. Minimum coverage starts at about $263 a year with Plymouth Rock and full coverage averages $706 annually with the same provider. Comparing insurers and looking for available discounts helps you save hundreds of dollars each year.

If you’re comparing car insurance options in Massachusetts, these expert answers help address the questions drivers raise most often.

Our Research Approach

Massachusetts drivers encounter unique insurance challenges. The state requires personal injury protection (PIP) coverage that most states don't mandate and Boston's congested streets drive rates up compared to quieter communities in the Berkshires. Massachusetts also prohibits insurers from using certain rating factors like gender, creating a different pricing landscape than neighboring states.

We collected auto insurance data from the Massachusetts Division of Insurance and Quadrant Information Services, analyzing quotes from 12 major insurers and reviewing more than 200 million rate comparisons across every residential ZIP code in Massachusetts.

Sample Driver Profile

We based our rates on a 40-year-old Massachusetts driver with clean credit and no violations. This represents the typical policyholder before individual factors like tickets or accidents adjust premiums. Your actual quote will differ based on your driving record, credit profile and exact location.

Coverage Levels We Compared

We examined two distinct coverage options:

Minimum coverage: Massachusetts's 20/40/5 liability limits ($20,000 per person for bodily injury, $40,000 per accident, $5,000 property damage). This satisfies legal requirements but leaves you financially exposed in major crashes.

Full coverage: $100,000/$300,000/$100,000 liability plus comprehensive and collision with $1,000 deductibles. This protects both your liability exposure and your vehicle repairs.

Location's Impact on Your Rate

Massachusetts rates shift across regions. Boston drivers often pay double what someone in Springfield pays for identical coverage. Our analysis captures these geographic disparities so you know what's typical for your area.

For more details, see our detailed methodology here.